what happened in mart d and actually president clinton referred to this in his speech at the democratic convention -- is actually bringing the cost of the pharmaceuticals down. what it's doing is similar to what i wag talking about relative to capitalistic competition. we did a joint venture just a few years ago with wal-mart. and we introduced a $15 a month drug plan. $15 a month. and the city thought we were crazy to do this, but what we did is we worked with wal-mart's purchasing power, wal-mart distribution capabilities capabd management and our ability to bring solutions to our members. and brought our product out. this his brought down the price of part d significantly. this year united came off witness a $15 plan and doing it with target and cvs and that's bringing competition to the market place. you're right, maybe you can't take the anthem plan and the humana plan at the time of purchase and use those individually but the thing about medicare advantage or part d, you can walk next year, and your ability to walk from one plan to another man, motivates me to deliver an experienc